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COLLEGE SAVINGS 101

Asset Allocations in Age-Based Portfolios - Advisor
http://www.savingforcollege.com/articles/asset-allocations-in-age-based-portfolios---adviser

Updated: 2016-03-27

We have compiled the information below showing the various asset allocations in selected age-based portfolios of advisor-sold 529 plans. (Similar information relating to direct-sold 529 plans is also available.) Our selection is limited to portfolios for beneficiaries age 17 and older. The purpose of our study was to compare how 529 plans allocate among stocks, bonds, and money market (or similar) investments as the beneficiary gets close to college age or is in college. In addition to showing the asset allocations, the table shows the investment performance of each portfolio for the one- and three-year periods ended December 31, 2015 ("NA" means the portfolio was not in existence for the full measurement period).

This data was compiled March 27, 2016. We will post corrected data as any errors become known to us.

Investment Allocation Annualized Return at
December 31, 2015 (%)
Stock Bonds Cash/MM One-Year Three-Year

Alabama: Aggressive

--Aggressive Portfolio Ages 17-20
-1.64 3.24
--Aggressive Portfolio Ages 21+
-0.9 1.59

Alabama: Moderate

--Moderate Portfolio Ages 17-20
-0.9 1.59
--Moderate Portfolio Ages 21+
-0.19 -0.79

Alabama: Conservative

--Conservative Portfolio Ages 17-20
-0.19 -0.79
--Conservative Portfolio Ages 21+
0.08 0.06

Alaska John Hancock

--Portfolio 2017-2020
-0.42 5.78
--College Portfolio
-0.56 2.08

Arizona InvestEd

--Ages 16+
-1.29 4.82

Arkansas iShares

--College Portfolio
-0.22 -0.25

Colorado Scholars Choice

--Ages 16-18, 1-3 Yrs to Enrollment
-0.65 2.83
--Ages 19+, 0-1 Yrs to Enrollment
-0.58 -0.53

Connecticut

--Ages 16-17
-2.38 1.18
--Age 18+
-2.08 -0.18

District of Columbia

--Ages 17+
1.85 3.3

Illinois Bright Directions: Aggressive

--Ages 17-20
-0.2 4.26
--Ages 21+
0 2.03

Illinois Bright Directions: Growth

--Ages 17-20
0 2.03
--Ages 21+
0.08 0.76

Illinois Bright Directions: Balanced

--Ages 17-20
0.08 0.76
--Ages 21+
-0.09 -0.54

Illinois Bright Start Advisor

--Ages 15-17
-0.93 3.03
--Ages 18+
-0.59 0.91

Indiana

--2016 Portfolio
-0.57 4.7
--College Portfolio
-0.5 1.38

Iowa Advisor

--Age 16-17 Option
-0.37 n/a
--Age 18+ Option
-0.49 n/a

Kansas: Aggressive

--Ages 15-17
-0.88 5.45
--Ages 18+
-0.73 -0.34

Kansas: Moderate

--Ages 15-17
-0.73 -0.34
--Ages 18+
-0.8 3.22

Kansas: Conservative

--Ages 15-17
-0.73 -0.34
--Ages 18+
-0.8 3.22

Maine: Franklin Templeton

--Ages 17-20
-1.18 2.85
--Ages 21+
-1.19 0.18

Maine: MFS

--Ages 16-17
-0.36 5.35
--Ages 18+
-0.19 3.25

Maine: Allianz

--Ages 17-18
-0.7 1.05
--Ages 19+
-0.63 0.64

Maine: BlackRock

--Ages 17-19
-0.13 3.21
--Ages 20+
0.08 0.92

Maine: iShares

--Ages 17-19
-0.19 n/a
--Ages 20+
-0.4 n/a

Michigan

--Ages 17-18
-1.29 0.47
--Ages 19+
-1.05 0.15

Missouri Advisor*

Nebraska NEST: Aggressive

--Ages 15-18
-0.7 4.6
--Ages 19+
-0.75 2.23

Nebraska NEST: Growth

--Ages 15-18
-0.84 2.2
--Ages 19+
-0.65 -0.12

Nebraska NEST: Index

--Ages 15-18
-0.47 0.25
--Ages 19+
-0.29 0.03

Nebraska NEST: Conservative

--Ages 15-18
-0.39 -0.19
--Ages 19+
0.1 0.1

Nebraska State Farm

--1-3 Years to College
0.33 4.63
--College Now
0 1.06

Nevada Putnam

--Age 18
-0.07 5.35
--Ages 21+
-0.35 2.07

New Hampshire Fidelity

--Portfolio 2016
-0.98 3.42
--College Portfolio
-1.06 1.88

New Jersey Franklin Templeton: Growth

--Ages 17+
-1.66 2.74

New Jersey Franklin Templeton: Conservative

--Ages 17+
-1.4 -0.33

New Jersey Franklin Templeton: Moderate

--Ages 17+
-2.05 0

New Mexico Scholars Edge: Aggressive

--Ages 15-17
n/a n/a
--Ages 18+
n/a n/a

New Mexico Scholars Edge: Growth

--Ages 15-17
n/a n/a
--Ages 18+
n/a n/a

New Mexico Scholars Edge: Balanced

--Ages 15-17
n/a n/a
--Ages 18+
n/a n/a

New York's 529 Advisor-Guided

--Conservative (15-17 Years)
-1.11 3.51
--College (18 and over)
-0.92 1.66

Ohio BlackRock: Aggressive

--Age 17+
-0.23 5.31

Ohio BlackRock: Moderate

--Age 17+
-0.5 2.79

Ohio BlackRock: Conservative

--Age 17+
-0.45 1.47

Oklahoma: Dream

--17-18 Years
-0.94 0.64
--19 and over
-0.68 0.33

Oregon MFS

--Ages 17-18
n/a n/a
--Ages 19+
-0.92 7.28

Rhode Island AllianceBernstein: Aggressive Growth

--Born 1999-2001
-1.71 4.16
--Born 1996-1998
-1.54 2.86
--Born 1993-1995
-1.56 2.53
--Born 1990-1992
-1.51 2.64
--Born 1987-1989
-1.51 3.06
--Born 1984-1986
-1.55 3.24
--Born Pre-1984
-1.49 2.58

Rhode Island AllianceBernstein: Moderate Growth

--Born 1999-2001
-1.32 2.93
--Born 1996-1998
-1.19 1.94
--Born 1993-1995
-1.2 1.58
--Born 1990-1992
-1.22 1.68
--Born 1987-1989
-1.25 1.87
--Born 1984-1986
-1.21 2.13
--Born Pre-1984
-1.17 1.77

Rhode Island AllianceBernstein: Conservative Growth

--Born 1999-2001
-1.06 1.87
--Born 1996-1998
-0.9 1.69
--Born Pre-1999
-0.91 1.68

CBf Morningstar Index

--Born 1999-2001
0.00 n/a
--Born Pre-1999
0.1 NA

South Carolina Aggressive

--Ages 16-17
-0.69 3.72
--Ages 18+
-0.47 2.2

South Carolina Moderate

--Ages 16-17
-0.47 2.2
--Ages 18+
-0.79 -0.07

South Carolina Conservative

--Ages 16+
-0.79 -0.07

South Dakota Allianz

--Ages 15-17
-1.18 0.72
--Ages 18+
-0.42 0.28

Texas Lonestar

--Ages 15-17
-1.68 1.37
--Ages 18+
-1.17 -0.18

Virginia CollegeAmerica

--American Funds College Enrollment Fund
0.81 0.55

West Virginia Hartford

--Ages 16-17
-0.83 1.79
--Ages 18+
-0.5 0.78

Wisconsin Tomorrows Scholar

--Age 17
-0.09 3.41
--Age 18
-0.19 1.76

note: *No age-based options

We have compiled the information below showing the various asset allocations in selected age-based portfolios of advisor-sold 529 plans. (Similar information relating to direct-sold 529 plans is also available.) Our selection is limited to portfolios for beneficiaries age 17 and older. The purpose of our study was to compare how 529 plans allocate among stocks, bonds, and money market (or similar) investments as the beneficiary gets close to college age or is in college. In addition to showing the asset allocations, the table shows the investment performance of each portfolio for the one- and three-year periods ended December 31, 2015 ("NA" means the portfolio was not in existence for the full measurement period).

This data was compiled March 27, 2016. We will post corrected data as any errors become known to us.

Investment Allocation Annualized Return at
December 31, 2015 (%)
Stock Bonds Cash/MM One-Year Three-Year

Alabama: Aggressive

--Aggressive Portfolio Ages 17-20
-1.64 3.24
--Aggressive Portfolio Ages 21+
-0.9 1.59

Alabama: Moderate

--Moderate Portfolio Ages 17-20
-0.9 1.59
--Moderate Portfolio Ages 21+
-0.19 -0.79

Alabama: Conservative

--Conservative Portfolio Ages 17-20
-0.19 -0.79
--Conservative Portfolio Ages 21+
0.08 0.06

Alaska John Hancock

--Portfolio 2017-2020
-0.42 5.78
--College Portfolio
-0.56 2.08

Arizona InvestEd

--Ages 16+
-1.29 4.82

Arkansas iShares

--College Portfolio
-0.22 -0.25

Colorado Scholars Choice

--Ages 16-18, 1-3 Yrs to Enrollment
-0.65 2.83
--Ages 19+, 0-1 Yrs to Enrollment
-0.58 -0.53

Connecticut

--Ages 16-17
-2.38 1.18
--Age 18+
-2.08 -0.18

District of Columbia

--Ages 17+
1.85 3.3

Illinois Bright Directions: Aggressive

--Ages 17-20
-0.2 4.26
--Ages 21+
0 2.03

Illinois Bright Directions: Growth

--Ages 17-20
0 2.03
--Ages 21+
0.08 0.76

Illinois Bright Directions: Balanced

--Ages 17-20
0.08 0.76
--Ages 21+
-0.09 -0.54

Illinois Bright Start Advisor

--Ages 15-17
-0.93 3.03
--Ages 18+
-0.59 0.91

Indiana

--2016 Portfolio
-0.57 4.7
--College Portfolio
-0.5 1.38

Iowa Advisor

--Age 16-17 Option
-0.37 n/a
--Age 18+ Option
-0.49 n/a

Kansas: Aggressive

--Ages 15-17
-0.88 5.45
--Ages 18+
-0.73 -0.34

Kansas: Moderate

--Ages 15-17
-0.73 -0.34
--Ages 18+
-0.8 3.22

Kansas: Conservative

--Ages 15-17
-0.73 -0.34
--Ages 18+
-0.8 3.22

Maine: Franklin Templeton

--Ages 17-20
-1.18 2.85
--Ages 21+
-1.19 0.18

Maine: MFS

--Ages 16-17
-0.36 5.35
--Ages 18+
-0.19 3.25

Maine: Allianz

--Ages 17-18
-0.7 1.05
--Ages 19+
-0.63 0.64

Maine: BlackRock

--Ages 17-19
-0.13 3.21
--Ages 20+
0.08 0.92

Maine: iShares

--Ages 17-19
-0.19 n/a
--Ages 20+
-0.4 n/a

Michigan

--Ages 17-18
-1.29 0.47
--Ages 19+
-1.05 0.15

Missouri Advisor*

Nebraska NEST: Aggressive

--Ages 15-18
-0.7 4.6
--Ages 19+
-0.75 2.23

Nebraska NEST: Growth

--Ages 15-18
-0.84 2.2
--Ages 19+
-0.65 -0.12

Nebraska NEST: Index

--Ages 15-18
-0.47 0.25
--Ages 19+
-0.29 0.03

Nebraska NEST: Conservative

--Ages 15-18
-0.39 -0.19
--Ages 19+
0.1 0.1

Nebraska State Farm

--1-3 Years to College
0.33 4.63
--College Now
0 1.06

Nevada Putnam

--Age 18
-0.07 5.35
--Ages 21+
-0.35 2.07

New Hampshire Fidelity

--Portfolio 2016
-0.98 3.42
--College Portfolio
-1.06 1.88

New Jersey Franklin Templeton: Growth

--Ages 17+
-1.66 2.74

New Jersey Franklin Templeton: Conservative

--Ages 17+
-1.4 -0.33

New Jersey Franklin Templeton: Moderate

--Ages 17+
-2.05 0

New Mexico Scholars Edge: Aggressive

--Ages 15-17
n/a n/a
--Ages 18+
n/a n/a

New Mexico Scholars Edge: Growth

--Ages 15-17
n/a n/a
--Ages 18+
n/a n/a

New Mexico Scholars Edge: Balanced

--Ages 15-17
n/a n/a
--Ages 18+
n/a n/a

New York's 529 Advisor-Guided

--Conservative (15-17 Years)
-1.11 3.51
--College (18 and over)
-0.92 1.66

Ohio BlackRock: Aggressive

--Age 17+
-0.23 5.31

Ohio BlackRock: Moderate

--Age 17+
-0.5 2.79

Ohio BlackRock: Conservative

--Age 17+
-0.45 1.47

Oklahoma: Dream

--17-18 Years
-0.94 0.64
--19 and over
-0.68 0.33

Oregon MFS

--Ages 17-18
n/a n/a
--Ages 19+
-0.92 7.28

Rhode Island AllianceBernstein: Aggressive Growth

--Born 1999-2001
-1.71 4.16
--Born 1996-1998
-1.54 2.86
--Born 1993-1995
-1.56 2.53
--Born 1990-1992
-1.51 2.64
--Born 1987-1989
-1.51 3.06
--Born 1984-1986
-1.55 3.24
--Born Pre-1984
-1.49 2.58

Rhode Island AllianceBernstein: Moderate Growth

--Born 1999-2001
-1.32 2.93
--Born 1996-1998
-1.19 1.94
--Born 1993-1995
-1.2 1.58
--Born 1990-1992
-1.22 1.68
--Born 1987-1989
-1.25 1.87
--Born 1984-1986
-1.21 2.13
--Born Pre-1984
-1.17 1.77

Rhode Island AllianceBernstein: Conservative Growth

--Born 1999-2001
-1.06 1.87
--Born 1996-1998
-0.9 1.69
--Born Pre-1999
-0.91 1.68

CBf Morningstar Index

--Born 1999-2001
0.00 n/a
--Born Pre-1999
0.1 NA

South Carolina Aggressive

--Ages 16-17
-0.69 3.72
--Ages 18+
-0.47 2.2

South Carolina Moderate

--Ages 16-17
-0.47 2.2
--Ages 18+
-0.79 -0.07

South Carolina Conservative

--Ages 16+
-0.79 -0.07

South Dakota Allianz

--Ages 15-17
-1.18 0.72
--Ages 18+
-0.42 0.28

Texas Lonestar

--Ages 15-17
-1.68 1.37
--Ages 18+
-1.17 -0.18

Virginia CollegeAmerica

--American Funds College Enrollment Fund
0.81 0.55

West Virginia Hartford

--Ages 16-17
-0.83 1.79
--Ages 18+
-0.5 0.78

Wisconsin Tomorrows Scholar

--Age 17
-0.09 3.41
--Age 18
-0.19 1.76

note: *No age-based options
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